MAMS COMPUTERS
ActiveSummary
MAMS COMPUTERS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138k and a net result of €20k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 25% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+22
Solvency51▼-1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 2.29 in 2024; short-term debt: 14.6% and cash: 17.6% of total assets), but 74.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
25.8%
Return on assets
3.7%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 17043 sector peers (2025).
NBB · sector comparisonPosition among 17043 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
4 d late
2023
8 d late
2022
11 d late
2021
5 d late
2020
12 d late
2019
89 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€138k▼ 3.9%
2024 · €144k
2018: €125k
2019: €138k
2020: €152k
2021: €161k
2022: €169k
2023: €142k
2024: €144k
2018 → 2025
Total assets
€536k▲ 1.1%
2024 · €529k
2018: €634k
2019: €673k
2020: €675k
2021: €663k
2022: €663k
2023: €574k
2024: €529k
2018 → 2025
Net result
€20k▲ 1,286%
2024 · €1k
2018: €18k
2019: €12k
2020: €14k
2021: €10k
2022: €7k
2023: €-12k
2024: €1k
2018 → 2025
Working capital
€40k▼ 35.0%
2024 · €62k
2018: €10k
2019: €48k
2020: €66k
2021: €63k
2022: €84k
2023: €72k
2024: €62k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€161k-€169k▲ 4.5%€142k▼ 15.5%€144k▲ 1.0%€138k▼ 3.9%
Operating result€26k-€20k▼ 21.7%€-999€13k€41k▲ 219%
Net result€10k-€7k▼ 26.3%€-12k€1k€20k▲ 1,286%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 219% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €536k
Fixed assets
€417k ▼ 0.6%
Current assets
€118k ▲ 7.6%
Equity and liabilities €536k
Equity
€138k ▼ 3.9%
Debt
€397k ▲ 3.0%
Debt's share of the balance-sheet total rises from 72.8% to 74.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€56k▲
2024 · €30k
Cash flow
€36k▲
2024 · €18k
Current ratio
1.52▼
2024 · 2.29
Quick ratio
1.42▼
2024 · 2.03
Debt to equity
2.87▲
2024 · 2.68
ROE
14.5%▲
2024 · 1.0%
ROA
3.7%▲
2024 · 0.3%
Interest coverage
7.15▲
2024 · 3.77
Debt ≤ 1 year
€78k▲
2024 · €48k
Debt > 1 year
€319k▼
2024 · €338k
Income taxes
€13k▲
2024 · €4k
Staff costs
€-146▼
2024 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€529k€536k▲
Fixed assets21/28€420k€417k▼
Tangible fixed assets22/27€413k€411k▼
Land and buildings22€390k€379k▼
Plant, machinery and equipment23€11k€10k▼
Furniture and vehicles24€4k€13k▲
Assets under construction and advance payments27€9k€9k=
Financial fixed assets28€6k€6k=
Current assets29/58€110k€118k▲
Stocks and contracts in progress3€13k€7k▼
Stocks30/36€13k€7k▼
Amounts receivable within one year40/41€15k€13k▼
Trade receivables40€9k€5k▼
Other amounts receivable41€6k€7k▲
Cash at bank and in hand54/58€77k€94k▲
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€529k€536k▲
Equity10/15€144k€138k▼
Contributions10/11€20k€20k=
Reserves13€44k€38k▼
Distributable reserves133€44k€38k▼
Profit (loss) carried forward14€79k€79k=
Amounts payable17/49€386k€397k▲
Amounts payable after more than one year17€338k€319k▼
Financial debts170/4€338k€319k▼
Amounts payable within one year42/48€48k€78k▲
Current portion of amounts payable after more than one year42€28k€32k▲
Trade debts44€11k€8k▼
Suppliers440/4€11k€8k▼
Taxes, remuneration and social security45€9k€25k▲
Taxes450/3€9k€25k▲
Other amounts payable47/48-€13k
Accrued charges and deferred income492/3€23€48▲
Income statement
Code20242025
Remuneration, social security and pensions62€26k€-146▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€16k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€59k€59k=
Operating profit (loss)9901€13k€41k▲
Financial income75/76B€147€469▲
Recurring financial income75€147€469▲
Financial charges65/66B€8k€8k▲
Recurring financial charges65€8k€8k▲
Profit (loss) for the period before taxes9903€5k€33k▲
Income taxes67/77€4k€13k▲
Profit (loss) for the period9904€1k€20k▲
Profit (loss) for the period to be appropriated9905€1k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€99k▲
Profit (loss) brought forward from the previous period14P€79k€79k=
Transfer from equity791/2-€26k
Transfer to equity691/2€1k€20k▲
To other reserves6921€1k€20k▲
Profit to be distributed694/7-€26k
Return on contributions (dividend)694-€26k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €20k ▲1286%
Operating result €41k, net result €20k, both a record.
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-12
Financial
Weakest financial yearnet €-12k ▼262%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
31-12
Financial
Equity above €150kEq €152k ▲10%
3 profitable years in a row build equity to €152k.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Châtelet · 2 establishment units since 2011
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de la Vallée 716200 ChâteletGround area
198 m²
Building footprint
129 m²
Volume, LiDAR
1,085 m³
2 parcels, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
MAMS COMPUTERS
since 20112.200.346.713
MAMS COMPUTERS
since 20222.345.198.791
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52502B0593/00F004 | Wallonia | 102 m² | 1 · 67 m² | 10.9 m · 3 fl. |
| 52013A0005/00N003 | Wallonia | 96 m² | 1 · 62 m² | 9.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
TOP SYSTEM
BE 0431.215.973
Schaarbeek · Eq €138,243
ATTIUM
BE 0651.766.160
Brussel · Eq €138,237
honderdvijftien
BE 0475.357.111
Antwerpen · Eq €138,218
ELSEAS
BE 0794.501.660
Aalst · Eq €138,202
ICT CONTROL
BE 0467.174.665
Ukkel · Eq €138,194
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 15,392 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2011
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
43211General electrical installation work
46500Wholesale of information and communication equipment
47400Retail sale of information and communication equipment
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:mams@skynet.be